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Wednesday, April 20, 2016

Do you love to give presents? Is your heart bigger than your pocketbook? Everyone can give presents, we just have to look around and try to think outside the box in our giving.

FIND OUT IF YOUR TOWN OR SURROUNDING TOWNS HAVE BOOKSTORES THAT WILL BUY BACK GENTLY USED BOOKS. The national chain Half-price books will and many locallly owned books stores will. Scour your house, thrift stores and garage sales for gently used books. Most stores will give more for in-store credit, but many will give outright cash. Also, you may sell online at and get money for your books. BUT, you have to ship these items and that can be a little hassle. Check out this way of getting money for gifts and giving gifts for free.

USE REBATES, COUPONS, BUY ONE GET ONE OFFERS, CVS EXTRACARE BUCKS, AND WALGREENS REGISTER RECEIPTS. There are always ways to get extra things to give away. All you have to do is determine that you will use these extra things to give away. Many stores give you $5.00 and $10.00 coupons. Many wonderful free gifts can be bought with those extra dollars
Money Management

Do you want to save money? Do you want to spend less money? Of course, everyone wants to live better and spend less. If this frugal way of thinking was easy, everyone would succeed. Just follow a few tips to save money, spend less and live below your means.
  1. Money Management
    Money Management
    Eat Simply. Eat more natural, non-processed foods. Eat fruit, vegetables and grains. You will have more time, maybe lose weight and save money.
  2. Go to the Library. The library isn't just for books anymore. You can get popular DVD's, CD's, magazines. One can even download audiobooks and stream movies at some libraries. Everything is free! If you have children, most libraries have story hours or book clubs or entertainment on a regular basis. The possibilities are endless!

    Check out consignment stores and Thrift stores. If you haven't been to some of these stores in a few years, you will be amazed. It is a popular place for teens to get unique clothing. Fashionistas also shop thrift stores and consignment shops for brand name goods--some things even have the original tags on them. The key is to be flexible in what items you need and want.  Also, don't be hung up on certain name brands. If you are flexible, the savings are huge. It also is like going on a treasure hunt, the rewards can be amazing.

  3. Money Management
    Money Management
    Sign up for RSS feeds of coupon blogs. There are millions of blogs that tell you the deals at CVS, Walgreens, Target and Walmart. These blogs will even do deals for you to save you money. They do the work of couponing and deals to get one free items and in some instances, give you free money.

  4. Restrict buying on credit and give up credit cards as much as possible. No matter what you have been told, credit cards cost you money. Even reward cards cost you money. If you could stop using credit cards, you could pay off your debt and start living beneath your means. It is possible.

  5. Start hobbies that do not cost. If you have a hobby that is costing you a lot of money, investigate ways to enjoy your hobby in cheaper ways. If you enjoy going to movies, check out twilight hours or ways to get tickets cheaper. If photography is your hobby, publish your pictures to the web instead of printing them. Or put them on one of the photography sharing sites.

Has the slow economy finally caught up with you? Have you lost your job? Has the cost of gas eaten into your money for bills, etc.? Try getting RADICALLY frugal for a month or two and see if you can see a difference in your attitude and your bank account!

My husband's favorite saying is "perception is reality'. Whatever your perception of a situation is, it is what forms your attitudes and your actions. If your perception is, I can't do anything about a situation, then that is what you do. Change YOUR Perception! There is something you can do to get more money for your situation!

Several websites offer tips to save money on groceries:

Frugal Ideas
The next step (according to Dave ramsey) is to keep a record for a week of everything you spend! When you finally stop being in denial and GROW UP, you will find where your money is going!
Figure out what is important to you! What is it that you can live without and what is it that you can't. Spend your money for the week/month ON PAPER before you spend it in reality. Make your money work for you--not you for your money--because you don't want to think about it!